EPF vs PPF: Understanding Returns on ₹1.2 Lakh Annual Investment Over 15 Years
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EPF vs PPF: Which Scheme Yields More Returns on 15-Year Investment?
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News18•17-03-2026, 15:35
EPF vs PPF: Which Scheme Yields More Returns on 15-Year Investment?
•EPF and PPF are popular government-backed schemes for retirement planning, offering long-term savings and tax benefits.
•An investor putting 1.2 lakh rupees annually (10,000 per month) for 15 years will see different returns from each scheme.
•EPF, designed for salaried employees, currently offers an 8.25% annual interest rate, managed by EPFO.
•PPF, open to all, offers a 7.1% annual interest rate and has a 15-year lock-in period.
•After 15 years, EPF could yield approximately 35.96 lakh rupees, while PPF would yield around 32.54 lakh rupees, a difference of about 3.4 lakh rupees.
